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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Annual fee
₹499
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
Welcome Benefit
—
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | AU Altura+ Credit CardVisa · AU Small Finance Bank | HSBC Smart Value Credit CardVisa · HSBC India | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HSBC India | Punjab National Bank |
Card | |||
Annual fee | ₹499Best | ₹500 | ₹2,000 |
Joining fee | ₹90Best | ₹500 | ₹2,000 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 2X reward points per ₹100 | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | — | rewards | travel |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
HSBC India
2X reward points per ₹100 — Best for rewards.
Punjab National Bank
10X rewards on international travel — Best for travel.
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